19475 Co Rd 39, Saint Charles, MN 55972 Property Records

Winona County property record for 19475 Co Rd 39, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,672 sqft · built 2020
Lot Size	5.32 acres (231,739 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,066 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2023 Line of Credit + 3 more
APN	`02.000.1973`

Property Details

APN / Parcel Number

Primary APN	`02.000.1973`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,672 sqft Living Area
1st Floor Area	864 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	231,739 sqft (5.32 acres)
Garage Type	Pole Building Garage
Garage Area	10,752 sqft
Shed	1 Shed
Shed Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	19475 COUNTY ROAD 39
City	SAINT CHARLES
State	MN
Zip	55972-4155
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-21 TWP-107 RANGE-010 5.32 AC PART S1/2 NE1/4 COMM AT SE COR OF S1/2 NE1/4 THENCE N89DEG W ALONG S LINE O F S1/2OF NE1/4,
Legal Range	010
Legal Township	107
Legal Section	21
Jurisdiction	WINONA MN
Township / Civil Division	ELBA
Census Block Group	1
Census Block	1133
Census Tract	670102

Owner

19475 Co Rd 39 is owned and occupied by two individuals.

Source: Winona County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	19475 COUNTY ROAD 39, SAINT CHARLES, MN 55972-4155
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Deed of Trust, Mortgage · Closed-End Mortgage PEOPLES STATE BANK
Aug 11, 2023	Deed of Trust, Mortgage · Line of Credit PEOPLES STATE BANK
Feb 26, 2021	Deed of Trust, Mortgage · Line of Credit PEOPLES STATE BANK
Jan 18, 2023	Deed of Trust, Mortgage · Line of Credit PEOPLES STATE BANK
Mar 25, 2022	Deed of Trust, Mortgage · Line of Credit PEOPLES STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	19475 COUNTY ROAD 39, SAINT CHARLES, MN 55972-4155
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19475 COUNTY ROAD 39, SAINT CHARLES, MN 55972-4155

Mortgage

Document Number	000A663378
Date	Oct 23, 2025
Instrument	A663378

Lender

Name	PEOPLES STATE BANK
Type	Bank
Address	PLAINVIEW, MN 55964

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	144 Months
Due	Oct 1, 2037

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	19475 COUNTY ROAD 39, SAINT CHARLES, MN 55972-4155
Transaction Type	Mortgage
Record Updated	Sep 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19475 COUNTY ROAD 39, SAINT CHARLES, MN 55972-4155

Mortgage

Document Number	000A650340
Date	Aug 11, 2023
Instrument	A650340

Lender

Name	PEOPLES STATE BANK
Type	Bank
Address	PLAINVIEW, MN 55964

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Aug 1, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	19475 COUNTY ROAD 39, SAINT CHARLES, MN 55972-4155
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 E MAIN ST 1, 1, LEWISTON, MN 55952-1467

Mortgage

Document Number	0000631670
Date	Feb 26, 2021
Instrument	631670

Lender

Name	PEOPLES STATE BANK
Type	Bank
Address	PLAINVIEW, MN 55964

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Feb 22, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	19475 COUNTY ROAD 39, SAINT CHARLES, MN 55972-4155
Transaction Type	Mortgage
Record Updated	Feb 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19475 COUNTY ROAD 39, SAINT CHARLES, MN 55972-4155

Mortgage

Document Number	000A647218
Date	Jan 18, 2023
Instrument	A647218

Lender

Name	PEOPLES STATE BANK
Type	Bank
Address	PLAINVIEW, MN 55964

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jan 1, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	19475 COUNTY ROAD 39, SAINT CHARLES, MN 55972-4155
Transaction Type	Mortgage
Record Updated	Apr 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19475 COUNTY ROAD 39, SAINT CHARLES, MN 55972-4155

Mortgage

Document Number	000A641640
Date	Mar 25, 2022
Instrument	A641640

Lender

Name	PEOPLES STATE BANK
Type	Bank
Address	PLAINVIEW, MN 55964

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Mar 22, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 19475 Co Rd 39 was $7,066, up 212.7% from the year before.

Source: Winona County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Winona County
County Subdivision	Elba Township
Unified School District	St. Charles Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,066.00 (+212.65%)	$884,700 (+5.52%) Land $97,600 Building $787,100	$884,700 (+5.52%) Land $97,600 Building $787,100
2025	$2,260.00	$838,400 Land $97,600 Building $740,800	$838,400 Land $97,600 Building $740,800
2023	$3,774.00 Homeowner's exemption	$542,000 Land $97,600 Building $444,400	$542,000 Land $97,600 Building $444,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 19475 Co Rd 39; there have been 2 flood claims nearby since 2007.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	8 in force
Nearby Flood Claims	2 (2007)
Most Recent Claim	Aug 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2007 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 19475 Co Rd 39 is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130

May also be available: Hiawatha Broadband Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 39

Nearby Streets

All Saint Charles, MN Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures